IMPORTANT: The XRP Ledger Lending Protocol (XLS-66) is still short of the votes it needs for mainnet. What it enables: on-chain, fixed-term, uncollateralized loans from pooled vaults (XLS-65), with credit underwriting handled off-chain by institutions. Activation threshold: roughly 80% of trusted validators for two weeks. Current support: around 60%, about 21 of 35 votes on the core lending amendments.
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